News
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Ssa.gov
Investopedia.com
The only thing not making it an investment fund is that the government forcefully takes the money and you don't own the money after it is taken.
The average person gets the majority of their retirement income from SS.
Ask the average person what SS is. They will say that it is a retirement fund. What is a retirement fund? An investment fund.
Ssa.gov
Sorry but asking random people what something is might make for funny late night TV but it's not how you define things.